Compass

485 S State St, Sparta, MI 49345

NCUA Insured4.3 (194 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Sparta, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

485 S State St

Sparta, MI 49345

Google Maps 🗺Waze

(616) 887-8262

Service Area

This credit union is located in Sparta and serves members in the MI area. Currently serving 7,512 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.07%

Used Auto Loan

6.68%

Personal Loan

12.64%

Credit Card APR

10.66%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.3

194 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Stephanie Wade

4 years ago

I have not had the best luck banking with credit unions in the past, but Compass has completely changed my view on them! The staff is unbelievably nice and welcoming! They treat you like family and are dedicated to growing the great community of Sparta! Thank you Compass!

Andy Chatel

a week ago

Froze my account because my spouse's car payment was 20 days late. Only bankers hours. Not open early or late any day of the week. Felt like I had to jump through hoops to open a separate checking account after 30 years of banking there.

Deb Deater

11 months ago

I have gotten 2 car loans with Compass now and each time the process has been so easy and flawless. The assistance I got from Jaime, the Sparta office manager, was top notch!! I just got a cc through compass today and again the process was flawless! Thank you Compass for being a great hometown credit union

Randy L

a year ago

I want to send a "pat on the back" to Julie & Andrew... How Julie remembers everyone's name is amazing and her intrinsically motivated behavior & fantastic attitude is awesome. Always there to assist every customer, as well as giving aid to other "new" employees. Andrew has always gone above n beyond along with his positive, can do, will do attitude is a great asset. He seems to always be focused on the process and engaged to ensure everything is running effectively. So, thank you and hats off to Julie and Andrew for their rolls within Sparta's Compass Credit Union.

Deb Ellenwood

10 months ago

I worked with the Sparta office to obtain a new auto loan. As a woman trying to obtain a loan on my own I was treated with care and respect. Ryan and Josh had the paperwork done in record time.They asked helpful questions as they would for their own mothers buying a used car. I would choose Compass every time.